Family running 1920x700.png

Guaranty Checking Accounts

Compare your checking account options.

Do more than managing your money. Grow to achieve — and surpass — your financial goals with Guaranty Bank & Trust. We offer everything you’d expect in a checking account. No matter which checking account you choose, we offer an exceptional level of personalized service to each of the neighbors we’re fortunate enough to call our customers. Luckily for you, experiencing the Guaranty difference is as easy as opening a checking account today.

Most Popular - Free
Guaranty Green®Checking Student Checking Premium Checking
Choose this account if: You want easy and free checking. You want a great student account for ages 13-24. You want to earn interest on higher balances.
Opening Deposit $50 $50 $50
Service Charge $0 $0 $15
Minimum Balance to Avoid Service Charge & Earn Interest N/A N/A $2,500
Earns Interest (ask for our current rates) No No Yes
Requirements E-Statements Ages 13-24 only
and E-Statements*
Transaction Limits Unlimited Unlimited Unlimited
Overdraft Privilege⁴ $300* No $500**
Zelle Yes Yes Yes
Additional Information *Enrollment in overdraft privilege¹ will occur 30 days after account opening. *Ages 13-17 must have adult joint owner (over 18).
On 25th birthday account will convert to another type of account.
Checks are not available on this account.
*Paper statements available for $5.00 per month.
**Enrollment in Overdraft Privilege¹ will occur 30 days after account opening.
Open a Green Checking
Open a Green Checking
Open a Green Checking

Guaranty Checking Account Features

All Guaranty checking accounts offer these convenient features:

Digital Banking

  • Online Banking with Bill Pay
  • Mobile Banking
  • E-Statements

Debit Cards & ATMs

  • Debit Card
  • 55,000 surcharge free ATMs Worldwide2
  • Deposit Cash at ATMs3


  • Notary Service
  • 24 Hour Phone Plus
  • Coin Counting

Need a savings account also? We have you covered!

We have savings options to fit your needs. Let us help you earn more!

Custom Debit Cards⁴

Want to express yourself when you shop? Our debit card designs range from your favorite high school to your favorite hobby.


  • Access to 55,000 FREE ATMs Worldwide2
  • 24/7 Access to funds via ATM
  • Make purchases anywhere Mastercard is accepted4
  • Over 160 debit card designs for you to choose from


  1. Overdraft protection is subject to approval. If you have overdraft protection on your account, Guaranty Bank & Trust, N.A. (“the Bank”) will not charge a fee if the item(s) that are paid results in your account being overdrawn between $0.01 and $10.00 at the end of the business day. The bank will charge a fee of $14.50 each time we pay an item drawn against non-sufficient funds when the amount of the item is less than $20.00 and is paid within your designated overdraft limit. The bank will charge you a fee of $29.00 for all other items paid or returned when drawn against non-sufficient funds. The maximum daily amount of fees the bank will charge you for overdrawing your account is $145.00. These fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Whether the Bank will pay your overdrafts is discretionary and not a right or obligation. The Bank reserves the right not to pay. For example, the bank typically does not pay overdrafts if your account is not in good standing, regular deposits are not being made to your account, or there are excessive overdrafts on your account. Overdrafts should be paid promptly. If the account is not brought to a positive balance within 30 days of the original overdraft, the privilege will be suspended.
  2. Surcharge-free ATMs when using Guaranty Bank & Trust ATM or an ATM in the Allpoint network. Find one near you at
  3. Not available at all ATMs.
  4. Mastercard is a registered trademark of Mastercard International Incorporated.